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City · 33,070 residents · Pulaski County, Arkansas

Sherwood , Arkansas

In Sherwood, a typical home is worth $199,500 and typical rent is $1,101 a month. Compared with all of Pulaski County, typical household income is 29% higher, the typical home value is 7% lower, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $199,500

    7% below the county

    6% above Arkansas

    • Sherwood
    • Pulaski
    • Arkansas

  • Typical rent

    $1,101a month

    About the same as the county

    16% above Arkansas

    • Sherwood
    • Pulaski
    • Arkansas

  • Typical household income

    $81,328a year

    29% above the county

    34% above Arkansas

    • Sherwood
    • Pulaski
    • Arkansas

  • Households that own their home

    71%

    14 points above the county

    4 points above Arkansas

    • Sherwood
    • Pulaski
    • Arkansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$238,555
4.3% more than 12 months ago
Typical rent
$1,359 a month
2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Sherwood is in Pulaski County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pulaski County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sherwood apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Sherwood is $81,328, 29% more than in Pulaski County as a whole ($62,873).

  2. 71% of households in Sherwood own their home, against 57% in Pulaski County.

  3. Nearby, in Jacksonville, the typical home value is $163,400: 18% less than in Sherwood ($199,500).

  4. Nearby, in Jacksonville, the typical rent is $930: 16% less than in Sherwood ($1,101).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Sherwood

What homes there are in Sherwood, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 79% of homes here, against 64% in Pulaski County.

Year built

Here half of the homes date from 1986 or later; in Pulaski County, from 1981 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Pulaski County is high ($541,287): at least 97% of owner-occupied homes in Sherwood are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,392 a month

Pulaski County: $1,493 a month

Without a mortgage

$516 a month

Pulaski County: $507 a month

Owners with a mortgage

69%

Pulaski County: 61%

The typical cost for an owner with a mortgage in Sherwood is $1,392 a month, less than in Pulaski County ($1,493); without one, $516.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Sherwood gained value more slowly than in Pulaski County: 29% since 2015–2019, against 37%.

Since 2015–2019, the typical rent in Sherwood rose 32%, more than in Pulaski County (25%).

To compare: typical income in Sherwood rose 29%; the home, +29%; the rent, +32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSherwoodPulaski CountyArkansasUnited States
Rental vacancy 8.4%8.7%6.4%5.5%
Homeowner vacancy Unreliable estimate1.4%1.1%0.9%
More than one person per room Unreliable estimate1.9%2.7%3.4%
People per household 2.342.272.462.53
Drive alone 80%76%79%69%
Carpool 6%9%9%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 13%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Sherwood, the rental vacancy rate is 8.4%, about the same as in Pulaski County.

By size, households in Sherwood look like those in Pulaski County: 2.34 people on average.

The car rules in Sherwood: 80% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Sherwood?

A typical home is within reach of the typical income

We start with a typical home in Sherwood, worth $199,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Sherwood, which is $81,328 a year.

The calculator's FHA and conventional loan limits are those of all of Pulaski County.

Your numbers

Local data
$

Starts at the typical home value in Sherwood. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,983 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,620

at 7.18% · 30 years

Loan amount
$195,886
Total interest
$281,834
Paid off in
November 2056

Includes $3,369 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,898 a month

    Your payment · 24%

  • Tight

    $1,898 to $2,440 a month

  • Hard

    more than $2,440 a month

Compared with the typical household income in Sherwood ($81,328 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,620
Principal & interest$1,327
Property tax$121
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,983 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Sherwood and Pulaski County

Sherwood is in Pulaski County, Arkansas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Sherwood's own numbers

Typical home value
$199,500
Typical monthly rent
$1,101
Typical yearly household income
$81,328
Households that own their home
71%
Effective property tax rate
0.73%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pulaski County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,121
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
3.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pulaski County.

Everything about Pulaski County

Buying

Buying a home in Sherwood

A typical home in Sherwood is worth $199,500: 7% below the county and 6% above Arkansas. With the typical household income in Sherwood ($81,328 a year), a typical home costs 2.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Sherwood 2.5 years
  • Pulaski 3.4 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pulaski County

According to FHFA’s house price index, home prices in Pulaski County rose 55% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pulaski County.

Period County Arkansas U.S.
Last year (2025) +1.1% +3.4% +2.9%
5 years (2020–2025) +39% +52% +47%
10 years (2015–2025) +55% +79% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Sherwood next to Pulaski County, Arkansas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Sherwood $199,500
  • Pulaski $214,700
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Sherwood $1,101
  • Pulaski $1,080
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Sherwood $81,328
  • Pulaski $62,873
  • Arkansas $60,773
  • United States $80,734
See the full table
Sherwood next to Pulaski County and Arkansas
Measure Sherwood Pulaski County Arkansas U.S.
Typical home value $199,500 $214,700 $188,000 $332,700
Typical monthly rent $1,101 $1,080 $947 $1,413
Typical yearly household income $81,328 $62,873 $60,773 $80,734
Households that own their home 71% 57% 66% 65%
Typical yearly property tax $1,455 $1,642 $1,040 $3,119
Effective property tax rate 0.73% 0.76% 0.55% 0.94%
Renters with high rent for their income 45% 48% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pulaski County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Sherwood

For a typical $199,500 home in Sherwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sherwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,620a month

    Least cash to close
    Down payment
    $6,983
    Cash to close
    $12,968
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,583a month

    Down payment
    $9,975
    Cash to close
    $15,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,286a month

    Down payment
    $39,900
    Cash to close
    $45,885
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,470a month

    Down payment
    $29,925
    Cash to close
    $35,910
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Sherwood and for Pulaski County.

Property tax

Effective rate in Sherwood

0.73%of the home’s value each year

$1,455 a year for the typical owner in Sherwood.

  • Sherwood 0.73%
  • Pulaski 0.76%
  • Arkansas 0.55%

What Arkansas publishes Homestead property tax credit (Arkansas General Assembly (Act 174 of the 2026 Fiscal Session))

Exemptions and deadlines in Arkansas

Flood risk in Pulaski County

FEMA does not publish these numbers by city: they are for all of Pulaski County.

Homes in the high-risk zone
3.6%
5,163
Of those, with NFIP insurance
22%
County Arkansas U.S.
Homes in the high-risk zone 3.6% 3.4% 3.5%
Of those, with NFIP insurance 22% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sherwood

Typical rent in Sherwood is $1,101 a month: about the same as the county. In Sherwood, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pulaski County, by unit size. To pay the 2-bedroom one ($1,121 a month) without spending more than 30% of your income, you would need to earn $21.56 an hour working full time.

HUD fair market rent for all of Pulaski County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $964 $18.54 $38,560
1 bedroom $969 $18.63 $38,760
2 bedrooms $1,121 $21.56 $44,840
3 bedrooms $1,504 $28.92 $60,160
4 bedrooms $1,810 $34.81 $72,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Sherwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sherwood has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,100 in 72076 to $1,130 in 72120.

1 of the 2 is above the fair market rent for Pulaski County ($1,121).

  • 72076 $1,100$1,480
  • 72120 $1,130$1,520

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sherwood when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Sherwood

HUD lists one building with rents for lower incomes in Sherwood.

  • Park Crest Apts - Sherwood 100 Manson Rd, Sherwood 72120 216 low-income homes · 1 bd: 32 · 2 bd: 120 · 3 bd: 64 · In service since 1999

See all 109 buildings in Pulaski County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sherwood

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Pulaski County; 2 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Sherwood

No down payment, repair or rent-help program on our list is for Sherwood or Pulaski County. The ones below are statewide in Arkansas: they work in Sherwood the same as in the rest of the state.

Which programs do I qualify for? All programs in Arkansas

  • ADFA Down Payment Assistance Loan Program

    Statewide in Arkansas

    Arkansas state authority second mortgage of $1,000 to $15,000 for the down payment and closing costs, over 10 years and at the same rate as the ADFA first mortgage (Move-Up or StartSmart). Offered by Arkansas Development Finance Authority (ADFA).

    Repayable

    See the program Official page

Housing counselors near Sherwood

The HUD-approved agencies closest to the center of Sherwood, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Resources Technicians, Inc.

    800 Scott St, Little Rock · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (501) 372-2611

  • NSC (naca Counseling Subsidiary) - Little Rock, AR

    1501 N University Ave Ste 680, Little Rock · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 492-0083

  • Southern Bancorp Community Partners

    3999 W 12th St, Little Rock · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 406-6000

Every agency in Pulaski County All counseling agencies in Arkansas

Help in Spanish near Sherwood

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Sherwood

In HUD’s record, no housing authority with an office in Pulaski County is named for Sherwood or Pulaski County.

3 other authorities have an office in Pulaski County: see the list Source: HUD

Cities

Other cities in Pulaski County

These cities are also in Pulaski County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pulaski County Housing in Arkansas

Nearby cities

The cities closest to Sherwood, with the typical home value.

Neighboring counties

If Pulaski County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Sherwood.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Sherwood

Short answers with the numbers for Sherwood and all of Pulaski County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Sherwood?

The typical home value in Sherwood is $199,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pulaski County it is $214,700.

How much does it cost to rent in Sherwood?

Typical rent in Sherwood is $1,101 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pulaski County is $1,121.

What is the FHA loan limit in Sherwood?

Sherwood uses the FHA limit for all of Pulaski County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Sherwood?

The typical homeowner in Sherwood pays $1,455 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Pulaski County, the rate is 0.76%.

Where can I find free help to buy or rent in Sherwood?

There are 4 HUD-approved counseling agencies with an office in Pulaski County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).